Juliely Ferreira Pichardo is a Series 66 licensed financial advisor with eight years of industry experience. She is currently affiliated with Merrill and has held roles at Merrill and Bank of America since 2015. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Hunter Anderson is a financial advisor at Merrill with six years of industry experience. He holds a Series 66 designation and has worked at Merrill since 2019. Prior to joining Merrill, he held positions at Brigham Young University Idaho Pathways, Earnhardt Volkswagen, Arizona Benefit Consultants, Symmetry Financial Group, and The Church of Jesus Christ of Latter Day Saints. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Gabriel Lile is a financial advisor with Merrill in Chandler, AZ, holding Series 63 and Series 66 designations and 12 years of industry experience. He has been with Merrill Lynch Pierce Fenner & Smith Incorporated since 2013. Outside of his advisory role, he sells artwork that he personally created. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth clients, and institutions.

Tyrik Thompson is a financial advisor at Merrill with six years of industry experience. He holds a Series 66 designation and has worked at Merrill since 2019 and Bank of America, N.A. since 2020. Outside of his advisory roles, he has been involved with Modern Sports Grill LLC since 2015. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and various institutional investors.

Junior Mathieu is a financial advisor at J.P. Morgan Securities with five years of industry experience. He holds a Series 66 designation and previously worked at The Vanguard Group, Grand Canyon University, and Trimble. Outside of finance, he is involved in a food truck business serving Caribbean-style food, where he helps with cooking and business management. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines institutional advisory operations with broker-dealer and investment adviser registrations, delivering non-discretionary advisory services supported by an in-house manager solutions team and centralized due diligence.

Michelle Betancourt is a financial advisor at Edward Jones in Tempe, AZ, holding a Series 66 designation with 16 years of industry experience. She has been with Edward Jones since 2015. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs and investment solutions, operates under a fiduciary standard, and is noted for its extensive network of advisors and branch offices nationwide.

Chad Mclain is a financial advisor at Fidelity with 15 years of industry experience. He holds Series 63 and Series 66 designations and has worked with Fidelity in various capacities since 2010, including roles at Fidelity Brokerage Services LLC and Fidelity Personal and Workplace Advisors. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, employing a systematic investment process that combines proprietary research, quantitative analysis, and algorithmic portfolio construction across mutual funds, ETFs, and ETPs. The firm also serves as a registered commodity pool operator and offers advisory services to multiple registered investment companies and fund-of-funds.

Elizabeth Hodge is a financial advisor at Charles Schwab with six years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Charles Schwab and Charles Schwab Bank since 2017 and 2019, respectively. Prior to joining Schwab, she was employed at The Fractured Prune and The Cheesecake Factory. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary advisory relationships and access to affiliated discretionary separately managed accounts, supported by multi-asset model portfolios and centralized operational resources.

Michelle Feland is a financial advisor at LPL Financial with 26 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at firms including Raymond James Financial and The Private Wealth Group. Outside of her advisory role, she is involved in real estate services through Exp Realty. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, and charitable organizations. The firm offers a range of financial planning and advisory programs with access to model portfolios, third-party research, and technology-driven investment strategies.

Gregory Ashcraft is a Wealth Management Advisor at Merrill Lynch Wealth Management with a career in financial services that began in 1984. In his role, he assists clients in developing wealth management strategies tailored to their individual needs, focusing on a comprehensive approach that includes listening and helping clients make informed decisions. Gregory's client focus areas include college education planning, managing new wealth, personal retirement planning, and retirement income. Gregory holds a Bachelor's Degree from the University of Nebraska System and a Master's Degree from the University of Houston System. He holds professional designations as a CERTIFIED FINANCIAL PLANNER (CFP) and Personal Investment Advisor (PIA). He has been recognized multiple times on Forbes' "Best-in-State Wealth Advisors" list and as a member of the Ashcraft Group on Forbes' "Best-in-State Wealth Management Teams" list. Outside of his professional work, Gregory is involved in the Academic Decathlon community program. His personal interests include hiking, photography, and scuba diving.

Aldo Zuniga is a financial advisor at Merrill with a Series 66 credential and over 20 years of industry experience. His prior work includes a long tenure at Wells Fargo Bank from 2002 to 2025, followed by positions at Merrill and Bank of America. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Nicholas Wade is a financial advisor with Merrill in Chandler, AZ, holding a Series 66 designation and two years of industry experience. His prior roles include positions at Bank of America, Northwestern Mutual, and a year working with Dark Sky Brewing Co. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Debra Gallegos Caldwell is a financial advisor with Cetera, holding Series 63, 65, and 66 credentials and over 33 years of industry experience. She has worked with Cetera and Cetera Wealth Services since 2013 and owns Caldwell Financial, which she has operated since 1992. Outside of advising, she is involved in selling dental plans, insurance, and health products, and refers clients for estate planning services. Cetera Investment Advisers LLC serves a diverse client base including individuals, retirement plans, corporations, charitable clients, and institutions. The firm offers a multi-manager platform with various portfolio management options and access to third-party money managers, managing over $256 billion in assets through more than 10,000 advisors.

Samuel Carlson is a Series 66 licensed financial advisor with nine years of industry experience. He is currently with Charles Schwab & Co., Inc., where he has worked for five years, and previously held positions at Bank of the West and Morgan Stanley. Based in Phoenix, AZ, Carlson’s career spans roles with major financial institutions. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers both non-discretionary and discretionary investment options using multi-asset model portfolios and a centralized operational structure that supports a wide range of advisory and custody services.

Joshua Obolewicz is a financial advisor at Charles Schwab with Series 63 and Series 66 licenses and one year of industry experience. Prior to his current role, he has experience working at Swain Electric Inc. and other firms in various capacities. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary and discretionary investment solutions delivered through multi-asset model portfolios and an integrated operational structure.

Samuel Coleman is a financial advisor with LPL Financial, holding a Series 66 designation and beginning his advisory career in 2025. Prior to joining LPL Financial, he gained experience in various roles within the restaurant and retail industries. Outside of advising, he is involved with Mancusos Restaurant, where he has been active since 2023. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charities through a nationwide network of investment adviser representatives. The firm offers a range of advisory programs, retirement consulting, and brokerage services, providing both discretionary and non-discretionary management supported by in-house and third-party research.

Benjamin Backus is a financial advisor at J.P. Morgan Securities with four years of industry experience. He holds Series 63 and Series 66 licenses and has worked previously at The Vanguard Group, Premier Lending Inc., Wintrust Mortgage, and other financial institutions. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework to guide its recommendations.

Nestor Montoya is a financial advisor with Cambridge Investment Research Advisors, holding CFP® and ChFC® designations and possessing 27 years of industry experience. He has been with Cambridge Investment Research and its affiliated advisor entity since 2016. Montoya is also the owner of Nestor Montoya Wealth Management, LLC, a business through which he provides wealth management services. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals across various net-worth levels, pension plans, charitable organizations, trusts, and retirement-plan sponsors. The firm offers a range of financial planning and investment management services delivered through independent Financial Professionals using multiple custody and platform options, proprietary and third-party model strategies, and both discretionary and non-discretionary approaches.

Michael Joyce is a financial advisor with Merrill in Chandler, AZ, holding a Series 66 designation and eight years of industry experience. He has worked at Merrill since 2016, with a brief period at Robinhood Financial, LLC, and earlier roles including Grand Canyon University and State Farm. Outside of his advisory work, he is involved in a music-related business as the owner of an LLC that produces music under the band name "Charm The Villain" and sells related merchandise. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Andre Lepe is a financial advisor at Fidelity with four years of industry experience. He holds Series 63 and Series 66 licenses and has worked previously at The Vanguard Group, Edward Jones, and several other firms. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, offering discretionary and non-discretionary portfolio management, fund advisory, and model portfolio delivery. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction in its investment process.